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PRESIDENT'S MESSAGE

Since 1928, the Southern Mutual Church Insurance family has worked with
policyholders as partners in faith and in serving God’s church.

In fact, Southern Mutual was founded because forward-thinking leaders saw
churches straining under the weight of difficult times. The South Carolina
Baptist Convention created Southern Mutual with a goal of providing security
for churches both large and small. Many had been unable to find coverage
with larger companies because they were in rural areas.

From those humble beginnings, Southern Mutual’s family has grown to serve
more than 9,000 churches across many denominations and states. As a
testament to our commitment and dedication to our churches, our very first
policyholder remains insured with us to this day.

Our staff has rushed to help churches from the coast to the mountains in
their greatest times of need. We’ve arrived within hours of getting a call,
rapidly beginning the rebuilding process in the aftermath of fires, natural
disasters and other causes of loss.

We’ve also remained good stewards of the resources you entrust to us.
SMCI has consistently received high ratings by the A.M. Best Company, the
oldest and most experienced independent insurance rating organization in the
world, as well as, Demotech Inc. which has served the insurance industry since 1985 with proven Financial
Stability Ratings. Another assurance of solid, reliable protection for your church.

Southern Mutual Church Insurance has supported policyholders for 90 years
with a commitment that has never waned. “Savings, Service and
Security” isn’t just our motto; it is the values we deliver to our member
policyholders every day. We look forward to continuing to serve you so that
you can focus on serving God.